Finance Facilitation

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OVERVIEW

At NIRSAL Plc, we don’t just de-risk agricultural lending, we also actively facilitate access to finance for value chain actors across Nigeria’s agriculture and agribusiness landscape.

By leveraging our risk-sharing facility, we source and channel affordable financing from commercial banks, microfinance institutions, development partners, and fintechs into agriculture, enabling producers, processors, logistics providers, and traders to thrive.

Unlock Affordable Capital for Agricultural Production and Value Addition

WHO WE SUPPORT

We work with credible, growth-oriented actors across the entire agricultural value chain:

  • Input Dealers: Businesses selling fertilizers, crop protection protocol, and offering research.
  • Primary Producers: Crop and livestock farmers, cooperatives, and clusters
  • Processors: SMEs and larger enterprises adding value through sorting, drying, milling, or packaging
  • Logistics Providers: Businesses offering haulage, cold chain, and mechanisation services
  • Commodity Traders: Off-takers and aggregators involved in structured commodity exchange

WHAT YOU GET

By working with NIRSAL you gain:

  • ✓ Facilitated Access to Loans: We link you to affordable capital from our partner financial institutions
  • ✓ Risk Mitigation: We provide Credit Risk Guarantees that protect the lender, increasing your chances of approval
  • ✓ Input Finance Programs: Get connected to quality seeds, fertilizers, and agrochemicals through pre-approved funding
  • ✓ Post-Harvest Support: Finance for storage, processing, and transport to reduce losses and boost margins
  • ✓ Increased Bankability: Through our Business Advisory Service, we help structure your business to be investment-ready with proper records and cash flow projections
  • ✓ Interest Rate Reduction: We manage donor funds targeted at easing interest burden on agriculture

HOW WE FACILITATE FINANCE FOR YOU

Onboarding & Profiling

We verify and profile your agribusiness to match you with appropriate financiers.

Onboarding & Profiling

We issue guarantees to partner banks to reduce their
risk exposure in lending to you.

Onboarding & Profiling

Through our Financing Frameworks, we design agroloan
products and structures with appropriate tenure,
repayment cycles, and pricing, making appraisal and
disbursement seamless for lenders.

Onboarding & Profiling

Through our field network, we stay involved postdisbursement
to ensure success and timely repayment.

ELIGIBILITY CRITERIA

To enjoy our finance facilitation services, you should:

  • Be creditworthy
  • Operate in an agricultural value chain segment in Nigeria
  • Have a registered business or cooperative
  • Demonstrate need and capacity for scale
  • Commit to good loan behaviour and agronomic/business practices
  • Be transparent and cooperative during due diligence

TESTIMONIAL

MOVE YOUR
AGRIBUSINESS

FORWARD

Are you a farmer, processor, trader, or service provider
looking for working capital or asset finance? Let’s help
you access affordable, agriculture-friendly finance today.

Contact Us

You can also click here to register your business on
our nationwide database of agriculture and agribusiness actors →

KEY MILESTONES
IN FINANCE FACILITATION

₦235.7bn

Facilitated

32+

Counterparties Engaged

905

Agribusiness Supported

NGN XXXX

Claims Paid